- --------------------------------------------------------------------------------
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT



                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported) February 1, 1999


                                 SUSSEX BANCORP
                                 -------------- 
             (Exact name of registrant as specified in its charter)

      New Jersey                      0-29030                     22-3475473
- ----------------------------        ------------             -------------------
(State or other jurisdiction        (Commission              (IRS Employer
of incorporation)                   File Number)             Identification No.)


                 
        399 Route 23, Franklin, New Jersey                   07416
        ----------------------------------                   -----
     (Address of principal executive offices)              (Zip Code)



        Registrant's telephone number, including area code (973) 827-2914
                                                           --------------

Item 5.   Other Events

         The  Registrant  issued a press release  announcing its 1998 net income
increased by 3% from $708,000 in 1997 to $710,000 in 1998. The details announced
in the press  release are  incorporated  by  reference as if set forth at length
herein.

Item 7.  Exhibits.

         The following exhibit is filed with this Current Report on Form 8-K.

         Exhibit No.                        Description
         -----------                        -----------

             99              Press Release announcing an increase in net income.







                                  Page 2 of 5



                                   SIGNATURES

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
Sussex  Bancorp  has duly  caused  this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                                                SUSSEX BANCORP
                                                --------------
                                                (Registrant)




Dated: February 3, 1999                     By: /s/ CANDACE A. LEATHAM
                                                ----------------------
                                                CANDACE A. LEATHAM
                                                Chief Financial Officer



                                  Page 3 of 5



                                  EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K


   Exhibit No.                Description                               Page No.
   -----------                -----------                               --------

      99          Press Release announcing an increase in net income       5










                                  Page 4 of 5